Montessori school urdu

www.smeda.org.pk

3

92 42 111 111 456 92 42 36304926-7

helpdesk@smeda.org.pk

3 3

(042) 111-111-456 (0423)36304926-7

helpdesk.punjab@smeda.org.pk

5 2

(021) 111-111-456 (021) 35610572

helpdesk-khi@smeda.org.pk

(091) 9213046-47 (091) 286908

helpdesk-pew@smeda.org.pk

15-A

(081) 2831623, 2831702

(081) 2831922 helpdesk-qta@smeda.org.pk

3 1

3 2

3 3

4 4

4 5

4 6

5 7

5 8

6 / 9

6 10

6 10.1

7 10.2

7 10.3

8 10.4

9 10.5

10 10.6

10 10.7

11 10.8

12 10.9

12 11

13 12

13 12.1

14 12.2

14 / 12.3

15 13

16 14

2

.1

SMEDA

www.smeda.org.pk

.2

SMEDA .3 SME 1998

SMEs SME

SME SMEs

3

.4 142013

8

SME debt 1090

.5

3-7 2

0.47 1.73 2.20

11.22 NPV 10 90 3.01 56IRR

: 6

8 80 170

II/I 2 1 II I 170

25 20 1.5

4

90 0.47 1.73 2.20 3.01 IRR56 11.22 NPV 10

.7

/

.8 86 8

25 20 ii 170 8 1.5

1

33 31 28 26 20

33 31 28 26 20 I

33 31 28 26 20 II

21 19 18 16 13 I

21 19 18 16 13 II

141 131 120 110 86 5

/ .9

.10 Youth Business Loan

.10.1 NPV IRR

2

56% IRR

3.01

11,222,901 NPV

6

.10.2

3

220,000 10%

1,980,000 90%

8% /

8

1

.10.3

4

--

-- /

932,500

253,700

490,500

49,978

1,726,678

473,322

2,200,000

7

.10.4 8 1.5 170

5

1,920 8

376

100

150

100

300

554 / /

3,250

6,750

i 1,200,000 100,000 1.5

ii

8

.10.5

75,000 25,000 3

250,000 25,000 10

20,000 20,000 1

7,500 7,500 1

5,000 5,000 1

35,000 35,000 1

12,000 12,000 1

6,000 1,500 4

80,000 40,000 2 3.0

490,500

9

.10.6

45,000 45,000 1

65,000 2,500 26

8,000 2,000 4

14,800 200 74

20,000 20,000 1

25,000 25,000 1

7,400 7,400 1

2,500 2,500 1

30,000 15,000 2

15,000 15,000 1

12,000 12,000 1 /

9,000 750 12

253,700

.10.7

12,000 12,000 1

15,000 15,000 1 4

17,000 17,000 1 6

20,000 20,000 1 8

12,000 12,000 1 6x6

10,000 10,000 1

15,000 15,000 1

101,000

10

.10.8

20,000 20,000 1

9,000 3,000 3

7,500 7,500 1

5,000 5,000 1

5,000 2,500 2

7,500 7,500 1

60,000 3,000 20 II /

180,000 1,500 120 II /

225,000 4,500 50 2 1

40,000 5,000 8

40,000 5,000 8

20,000 2,500 8

100,000

50,000 2,500 20

35,000 3,500 10

7,500 7,500 1

2,500 2,500 1

2,500 2,500 1

15,000 15,000 1

831,500

11

.10.9

300,000 25,000 1

180,000 15,000 1

180,000 15,000 1

180,000 15,000 1

288,000 12,000 2

288,000 12,000 2 I

288,000 12,000 2 II

144,000 12,000 1 I

144,000 12,000 1 II

180,000 15,000 1

120,000 10,000 1

120,000 10,000 1

120,000 10,000 1

2,532,000 16 10

.11 i

ii

iii

iv

12

v

vi

.12

215,000

645,000

86

86

2,500

7,500

840,000 20 3,500 40 2

960,000 20 4,000 I 40 2

1,032,00 20 4,300 II 40 2

748,800 13 4,800 1 25 1

826,800 13 5,300 2 25 1

5,267,600 86 170

.12.17.5

50

13

.12.2

36,000

318,142

30,000

90,000

30,000

60,000

36,000

30,000

36,000

60,000

30,000

24,000

30,000

90,000

30,000

30,000

60,000

1,200,000

2,220,142

/ .12.3

042-99260108

III 78-B1

042-99268114-7 042-99268118

14

13. USEFUL LINKSPrime Minister's Office, www.pmo.gov.pk

Small and Medium Enterprise Development Authority, www.smeda.org.pk

National Bank of Pakistan (NBP), www.nbp.com.pk

First Women Bank Limited (FWBL), www.fwbl.com.pk

Government of Pakistan, www.pakistan.gov.pk

Ministry of Industries & Production, www.moip.gov.pk

Ministry of Education, Training & Standards in Higher Education

http://www.moptt

Government of Punjab, www.punjab.gov.pk

Government of Sindh, www.sindh.gov.pk

Government of Khyber Pakhtoonkhwa, www.khyberpakhtunkhwa.gov.pk

Government of Balochistan, www.balochistan.gov.pk

Government of Gilgit Baltistan, www.gilgitbaltistan.gov.pk

Government of Azad Jamu Kashmir, www.ajk.gov.pk

Trade Development Authority of Pakistan (TDAP), www.tdap.gov.pk

Security Commission of Pakistan (SECP), www.secp.gov.pk

Federation of Pakistan Chambers and Commerce and Industries (FPCCI)

www.fpcci.com.pk

State Bank of Pakistan (SBP), www.sbp.org.pk

All Pakistan Private Schools Welfare Association (APPSWA)

www.appswa.com.pk

15

14: Key Assumptions

15-Operating Assumptions22 Operational Days Per Month

12 Months Operational

16-Capacity Utilization AssumptionsCapacity Utilization (First Year) 50%

First Year Student Enrollment 85

Student Drop-out Ratio 5%

Students addition in year -2 25 Nos.

Students addition in year -3 and onwards 10 Nos.

17-Economics AssumptionsElectricity Growth Rate 10%

Salary Growth Rate 10%

Rent Growth Rate 10%

Student Fee Growth Rate 7.5%

Admission Fee Growth Rate 5%

Misc. Expense Gorwth Rate 5%

16

18-Expense AssumptionsOffice Expense (Stationary, Entertainment etc.) Rs. 90,000 per annum

Communication Expense Rs. 30,000 per annum

Advertisement Expense Rs. 60,000 per annum

Teacher's Training Expense Rs. 36,000 per annum

Repair & Maintenance Expense Rs. 90,000 per annum

17

18

Income Statement

19

Balance Sheet

20

Cash Flow Statement